We’ve all been there. You see a hoodie online and you want it— but it's $70 and that’s a little more than you're comfortable spending.

Then you spot it. Just below the price: Pay four interest-free payments of $17.50. And you think “I have $17.50. That’s nothing.” We’ve all been there. And if you’ve clicked— don’t despair because Nicole is here to give you the good, the bad, and the ugly on all those companies offering buy now, pay later, zero interest plans.